If you're a high performer, you already know traditional healthcare doesn't cut it. Seven-minute appointments, three-week wait times, and reactive care don't match the way you run your life or business.
That's where concierge medicine comes in, offering time, access, and proactive care. The challenge is that pricing isn't always clear. Annual memberships can range anywhere from $2,000 to $100,000 depending on the practice, location, and level of service.
Let's unpack what you're actually paying for, what each price point includes, and how to tell whether a concierge membership truly delivers value.
Concierge medicine costs vary based on multiple interconnected factors. The average membership falls between $2,000 and $10,000 annually, though premium services can reach $50,000 or more.
Monthly payment structures typically range from $200 to $800. These prices reflect fundamental differences in how practices structure their services, limit patient panels, and invest in technology and expertise.
Traditional physicians manage 2,000 to 3,000 patients. Concierge doctors limit panels to 400 to 600 members. This reduction directly impacts pricing. Fewer patients mean more physician time per member, same-day appointments, and genuine relationships with your doctor.
Ultra-premium practices restrict membership further, sometimes to just 50 to 100 patients. These exclusive models command higher fees but deliver unprecedented access. Your physician becomes truly available, knowing your health history intimately and anticipating needs before problems arise.
Basic concierge services focus primarily on enhanced access. Comprehensive programs incorporate advanced diagnostics and continuous monitoring that justify higher price points. The technology stack might include:
Practices investing heavily in diagnostic technology and data analytics naturally charge more. The question becomes whether these capabilities translate to better health outcomes for your specific situation.
Location significantly impacts membership costs. Urban markets with higher operational expenses command premium pricing.
A practice in San Francisco or Manhattan faces dramatically different overhead than one in smaller cities. Yet the level of care might remain identical.
Competition within markets also affects pricing. Cities with multiple concierge options see more competitive rates. Markets with limited alternatives allow practices to charge premium prices without differentiation pressure.
Board certifications, academic affiliations, and specialized training influence membership costs.
Physicians with longevity medicine credentials, functional medicine expertise, or research backgrounds command higher fees. Their advanced knowledge and connections within the medical community provide value beyond standard primary care.
Some practices employ teams of specialists rather than solo practitioners. This multi-disciplinary approach increases costs but provides comprehensive care under one membership.
Concierge medicine pricing extends beyond a single membership number. Understanding the complete fee structure helps you avoid unexpected costs and plan your healthcare budget accurately.
The membership fee forms your primary investment. Most practices offer payment flexibility with monthly, quarterly, or annual options.
Annual payments often include 5 to 10% discounts compared to monthly billing. This base fee typically covers:
At Primary MD, membership costs $1,250 per month when billed annually. This investment includes your dedicated physician, wellness expert, and care coordinator.
You receive comprehensive blood panels, advanced fitness assessments, and continuous health monitoring through wearable integration. Join our waitlist to learn more about membership benefits.
Are concierge doctors covered by insurance? Most concierge practices accept traditional insurance for medical services, procedures, and prescriptions.
The membership fee covers enhanced access and time, not actual medical care. You'll maintain insurance for:
Some practices operate outside insurance systems entirely. These direct primary care models require careful consideration of coverage gaps and financial exposure for major medical events.
Beyond membership, certain services may require extra payment. Practices differ substantially in what they include versus charge separately. Common additional fees include:
Setup fees ranging from $500 to $2,000 cover comprehensive onboarding at some practices.
Cancellation policies vary, with notice requirements from 30 to 90 days. Ask about these administrative costs before committing to any membership.
You might be wondering if spending thousands annually makes financial sense when you already pay for health insurance. The answer becomes clear when you look at what prevention actually costs versus treatment.
Here's what the data shows: concierge medicine members spend 35% less on total healthcare costs despite their membership fees. That seems counterintuitive until you understand where the savings come from.
When you have direct access to your physician at any hour, you stop defaulting to the emergency room for urgent concerns. ER visits among concierge patients drop by 65%. Each avoided ER visit saves you $2,000 to $5,000 in a single night. Hospital admissions fall by 35% because problems get caught and managed before they escalate. One prevented hospitalization saves $10,000 to $30,000.
Your medications also get optimized when your doctor has time to evaluate what you actually need. Instead of prescribing the newest, most expensive option, they find what works for your specific situation. Generic alternatives, proper dosing, and eliminating unnecessary prescriptions add up to thousands in annual savings. Health coaching reinforces these changes, helping you stay consistent with treatments that actually improve your health rather than just managing symptoms.
Now consider what your time is worth. If you earn $500,000 annually, each workday represents roughly $2,000 in productivity. Sitting in waiting rooms, rescheduling appointments around three-week delays, and dealing with unresolved health concerns eats into that value quickly.
Same-day appointments mean health issues don't derail your schedule. Virtual consultations fit between meetings. Your physician knows your travel calendar and plans around it. These aren't luxuries. They're practical solutions that protect your productivity and reduce the stress that compounds health problems.
Beyond the financial calculation, consider what catching problems early actually means for your life. Identifying pre-diabetes before it becomes diabetes. Optimizing hormones before fatigue becomes your baseline.
Discovering genetic risks while you can still prevent them. The value of maintaining your health span exceeds any membership cost you'll encounter.
Ready to see how proactive care changes your health trajectory? Join our waitlist and be first in line when new membership spots open for comprehensive, physician-led care built around prevention and performance.
Primary MD reimagines concierge medicine through the lens of optimization rather than mere access. Our comprehensive approach combines cutting-edge diagnostics with continuous care coordination, delivering measurable improvements in member health outcomes.
Most concierge practices give you better access to one physician. PrimaryMD assigns you three dedicated professionals who work together on your health.
Your doctor manages your medical strategy, your wellness expert handles optimization and coaching, and your care coordinator ensures nothing falls through the cracks. They know you personally, not just your chart.
Your physician maintains a panel of fewer than 600 patients, less than a quarter of traditional practice loads. This means quarterly comprehensive reviews, not rushed annual checkups.
They remain accessible 24/7 for urgent concerns and bring specialty training in both internal medicine and longevity science. You get clinical expertise for current problems and preventive strategies for future health.
Standard concierge practices run basic labs once yearly. PrimaryMD approaches diagnostics differently.
Our 100-marker blood panel assesses metabolic health, inflammation markers, hormone levels, nutrient status, and early disease indicators that standard panels miss. Testing happens twice yearly, and mobile phlebotomy comes to you.
These aren't technologies reserved for executive physicals you do once. They're integrated into regular care so we catch changes early, adjust protocols based on real data, and optimize before problems develop.
Precision medicine means testing what matters for your specific health profile, not running generic panels that miss individual variations.
Annual checkups capture one day out of 365. The other 364 days matter more. PrimaryMD integrates data from Oura Ring, Apple Watch, Whoop, and other wearables to track sleep quality, heart rate variability, activity levels, and recovery metrics continuously.
When we spot concerning trends such as declining sleep quality, irregular heart rate patterns, and reduced activity tolerance, your care team reaches out proactively. We address issues before they become symptoms.
That said, understanding what wearables miss about human physiology remains crucial. Technology provides data; clinical expertise provides context and interpretation.
Generic wellness advice assumes everyone responds identically to the same interventions. Your biology, lifestyle, and goals differ from every other member, so your health plan should too.
PrimaryMD creates protocols based on your specific biomarkers, metabolic testing, fitness level, and life demands.
Your plan addresses:
Additionally, your plan evolves as your results change and your life shifts. We adjust continuously based on what's working, what's not, and what you're actually willing to maintain long-term.
Smart financial planning makes concierge medicine accessible to more people than initially assume they can afford it. Multiple strategies exist to offset or manage membership costs while maximizing value received.
Health Savings Accounts (HSAs) and Flexible Spending Accounts (FSAs) offer potential pathways to use pre-tax dollars for concierge medicine expenses.
While membership fees themselves rarely qualify, many associated services do:
The tax savings effectively reduce your real cost by 25-40% depending on your bracket. Coordinate with your benefits administrator to maximize eligible expenses.
Progressive employers recognize concierge medicine's value for key employees. Executive health programs, retention packages, and wellness benefits increasingly include membership coverage. Approach your organization about:
Even partial employer contribution significantly reduces personal investment. Companies benefit through reduced sick days, improved productivity, and enhanced employee satisfaction.
Most practices offer family discounts ranging from 10-25% for additional members. Spousal memberships typically cost less than individual enrollments. Young adult rates (ages 18-26) often run 50% below standard pricing.
Consider pooling family health spending toward memberships rather than scattered wellness expenses. One comprehensive membership often costs less than fragmented spending on urgent care, wellness apps, fitness programs, and health coaching.
You've seen the costs and understand the options. Now the real question: does this investment make sense for you?
Consider what you're actually buying. Physicians who know your health without reviewing notes, problems caught before they become crises, and care built around your schedule instead of appointment availability.
For professionals managing demanding careers, the time saved and stress eliminated often justify the cost alone.
The right partnership changes healthcare from reactive to proactive. Issues surface early when they're simple to address. Decline gets replaced with optimization. You protect not just lifespan but health span, the years when you actually feel good enough to enjoy what you've built.
PrimaryMD combines comprehensive diagnostics, continuous monitoring, and a dedicated care team to deliver this. We focus on genuine optimization rather than just managing problems after they develop.
Your health determines whether everything else works. Treating it as an afterthought until something breaks doesn't match how you handle anything else that matters.
Are you ready to invest in a healthcare model that works as hard as you do? Join the PrimaryMD waitlist to get early access to personalized, physician-led care that optimizes your health, longevity, and performance.